Re: cap1 Combine possible?

I tried failed twice! I tried combining both my Cap 1 Visa Platinum and MTV visa into one CL of $1,000 (both $500 a piece) the CSR gave me a big fat "NO but..... Your more that welcome to apply for a new cc with us." The other time I wanted to convert my Visa platinum into the Cashback rewards MasterCard....again was told "NO!.... but you are more than welcome to apply for the Cashback Rewards MasterCard if you will like." They rather give you 5 toy limit cards ($500 each) than one card with a big CL. Smh! and there Sony Card is part of there Credit Steps program I found out! Just my luck while all my other cards are growing Crap 1 is the only bank that keeps falling behind in the credit world

Re: cap1 Combine possible?

ItchyAppFingers wrote:I tried failed twice! I tried combining both my Cap 1 Visa Platinum and MTV visa into one CL of $1,000 (both $500 a piece) the CSR gave me a big fat "NO but..... Your more that welcome to apply for a new cc with us." The other time I wanted to convert my Visa platinum into the Cashback rewards MasterCard....again was told "NO!.... but you are more than welcome to apply for the Cashback Rewards MasterCard if you will like." They rather give you 5 toy limit cards ($500 each) than one card with a big CL. Smh! and there Sony Card is part of there Credit Steps program I found out! Just my luck while all my other cards are growing Crap 1 is the only bank that keeps falling behind in the credit world

There is only 1 good thing about a Capital One platinum card, they report ALL AU's so you can help friends or family, but if your forever alone then =\

Re: cap1 Combine possible?

it sounds like we need to get the executive office on the line they have proven to be polite, helpful, and successful in these types of requests. Its alot easier to talk to a decision maker than a script reader! best of luck on getting this taken care of.

Re: cap1 Combine possible?

aplast wrote:

it sounds like we need to get the executive office on the line they have proven to be polite, helpful, and successful in these types of requests. Its alot easier to talk to a decision maker than a script reader! best of luck on getting this taken care of.

even that is pretty hard to do without VERY Prime cards in your file, and a MUCH better credit score, and ability to PROVE you NEED the extra balances.

Capital one is both a Prime and Subprime lender which is good for us since people don't avoid capital one rebuilder cards on the credit report since it just reports Capital one. Instead of things like First Premier which people will avoid like the bubonic plague....coughamexcough

They will try to suck and leech as much subprime APR from you as possible with annual fees attached, if they actually see your a fully educated consumer and you can basically push things as they don't want to lose a PRIME customer who runs a lot of money through their accounts. Pretty much only reconsiderations I've seen are people who have Prime cards, and who max out Capital one cards frequently and pay it off multiple times a month just to prove a point they need the increase. I dunno ymmv. Just from what I've seen through capital one post and i'm a credit forum whore.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.